1. Acceptance of Terms
By accessing and using the CROSS FM website, you accept and agree to be bound by these terms.

2. Content
All content on this site is the property of CROSS FM or its content suppliers and is protected by copyright laws.

3. Use of the Site
You agree to use this site only for lawful purposes. Do not use it in ways that may impair access or damage the website.

4. Donations and Transactions
All donations are voluntary and non-refundable. Ensure your details are correct before confirming your donation.
For clarity, all payments made through Cross FM platforms are processed by Royalminds Media & Publicity Ltd., the parent company managing financial operations on behalf of Cross FM.

5. Privacy
CROSS FM respects your privacy. Any information you provide will be handled per our privacy policy.

6. Changes to Terms
We reserve the right to change these terms at any time. Continued use signifies acceptance of any changes.

Questions? Please contact us via the contact form.

1. Information We Collect
We collect personal information such as your name, email address, and any other details you submit via our contact, music submission, or donation forms.

2. Privacy Policy
Cross FM – Privacy Policy
Cross FM respects your privacy and is committed to protecting your personal data. This policy explains how we handle your information:
Data Collection: We collect personal info like names, email addresses, and phone numbers when users contact us or make donations.
Usage: Data is used to improve services, provide updates, and manage donations or submissions.
Security: We use secure systems and do not share your data with third parties without consent.
Cookies: Our site may use cookies to enhance your experience.
Your Rights: You can request to access, correct, or delete your data at any time by emailing info@royalmind.com.ng.
Financial Transactions: Cross FM is a project of Royalminds Media & Publicity Ltd. All financial transactions are managed by Royalminds Media on behalf of Cross FM.

3. How We Use Information
Your information is used solely for communication, music review, and donation processing. We never sell your data to third parties.

4. Cookies
Our site may use cookies to improve user experience. You can disable cookies in your browser settings.

5. Security
We take reasonable measures to protect your data. However, no system is completely secure.

6. Third-party Links
This site may include links to third-party sites. We are not responsible for their privacy practices.

7. Contact
For questions about your privacy, please use our contact form.

8. Changes
We may update this policy. Continued use of the site means you accept any changes.

9. Refund Policy
Cross FM – Refund Policy
All donations made to Cross FM, a media initiative of Royalminds Media & Publicity Ltd, are considered voluntary and non-refundable.
We encourage donors to give thoughtfully. Funds go toward content creation, platform operations, and outreach.
If you believe a transaction error has occurred (e.g., duplicate payment), please contact us within 7 days via info@royalmind.com.ng with proof of transaction.
Refunds, if considered, will be granted solely at the discretion of management.

10. Data Controller
Cross FM is a project of Royalminds Media & Publicity Ltd. All financial transactions are managed by Royalminds Media on behalf of Cross FM.